Lucifer Lucifero

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Lucifer Lucifero

Lucifer Lucifero

@jbfly46

Alchemy Through Language

Portland, OR Katılım Şubat 2024
7.5K Takip Edilen1.2K Takipçiler
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Lorwen Harris Nagle, PhD
Carl Jung had a strange method for changing your life from the inside out. Not affirmations. Not manifesting. Practice these 4 steps for 10 days, and watch what happens to your anxiety:🪡 1. What you refuse to imagine does not disappear. (It controls your life from the shadows).
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Brenda 𓅓
Brenda 𓅓@brndmng·
Magic describes the use of altered states of consciousness to produce effects in the world. Cybernetics describes how the observer and the observed affect each other: by altering my state of consciousness, I alter the world I am conscious of.
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Darshak Rana ⚡️
Darshak Rana ⚡️@thedarshakrana·
CHILLING 🧠 In 1956, this man discovered how to cure diseases with PURE energy. Immediately government: • Burned 6 TONS of his books • Destroyed his research • Let him die in prison But, in 2024, his research resurfaced. What they tried to hide will awe you:🧵
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Lucifer Lucifero
Lucifer Lucifero@jbfly46·
Are these drugs intended to kill the patient? I'm so confused, this sounds exactly like how one would administer an opioid overdose and then make sure that they die at the end once the patient starts deep snoring (death rattle lol). int.livhospital.com/what-are-the-f…
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Lucifer Lucifero retweetledi
hunter
hunter@hxxntrr·
Elon Musk hasn't sold a Tesla share in years and lives off $1 billion in personal loans His Tesla stock keeps appreciating The loans charge him 2-3% interest The IRS never sees a single dollar of capital gains tax This is exactly how the wealthiest people in America accumulate wealth without paying taxes and it's available to anyone with $100K+ in assets The strategy is called "borrow against appreciated assets" or sometimes "buy borrow die." It's the single most powerful tax-minimization strategy used by ultra-wealthy individuals in America Mechanics: When you SELL an asset that has appreciated, you owe capital gains tax. Federal long-term capital gains rates: 0%, 15%, or 20% depending on income. Plus state capital gains in most states (CA: 13.3%; NY: 8.82%). Plus net investment income tax of 3.8% for higher earners (IRC Section 1411) For someone like Elon Musk selling $1B in Tesla stock, the total tax bill would be approximately: Federal capital gains at 20%: $200M Net investment income tax at 3.8%: $38M Texas state tax: $0 (Texas has no state income tax, this is why Elon moved there) Total tax bill on selling $1B: $238M When you BORROW against appreciated assets, you owe ZERO tax. Loan proceeds are not income under IRC Section 61. They never appear on your tax return. They never trigger a tax event For Elon to access $1B in cash for spending purposes, the math is: Sell $1B in Tesla stock: $762M in net proceeds after tax OR Borrow $1B against $1B in Tesla collateral at 2-3% interest: $1B in net proceeds tax-free Selling costs him $238M in taxes Borrowing costs him $20-30M/year in interest (or roughly $200-300M over a decade if held that long) But the borrowing strategy has additional benefits: Tesla stock continues to appreciate. Over 10 years, $1B in Tesla stock has historically appreciated to multiples of that. Selling locks in the gain at today's value. Borrowing keeps the upside The interest paid on the loan is potentially tax-deductible if structured as an investment loan (IRC Section 163(d)). Effective after-tax cost can be reduced to 1-2% The loan never has to be repaid during his lifetime. He can refinance it indefinitely. When he dies, his heirs inherit the stock at a "stepped-up basis" (IRC Section 1014). The accumulated capital gains die with him. The heirs sell the stock at the stepped-up basis, pay off the loan, and keep the entire upside tax-free The wealth transfers from Elon to his heirs entirely tax-free if structured correctly. Estate tax is a separate question but is largely avoidable through proper trust structures The ultra-wealthy version of this strategy: Borrow against appreciated stock Use the loan proceeds for consumption (homes, cars, art, business operations) Never sell the underlying stock Refinance the loan at maturity to extract more cash if the underlying has appreciated Pass everything to heirs at death with stepped-up basis Heirs sell with $0 in accumulated capital gains tax owed This strategy is sometimes called "buy, borrow, die" by tax planners. It's the foundation of how billionaire wealth perpetuates across generations without significant taxation Available products for this strategy: Pledged Asset Line (Schwab): borrow up to 50-70% of portfolio value at SOFR + 1-2% Securities Backed Line of Credit (Morgan Stanley, Goldman): similar terms, $1M+ minimum Custom Lending Solutions (private banking): for $10M+ portfolios, rates can drop to 1-2% The accessibility tier: If you have $100K+ in investment assets at Schwab/Fidelity/Vanguard, you can open a Pledged Asset Line. Typical terms: borrow up to 50% of your portfolio value at SOFR + 1.5-3% (current rates roughly 6-8% all-in). No fixed monthly principal payments. Interest only or pay nothing as long as the loan stays below the maintenance threshold For someone with $200K in stocks/ETFs: Borrow $100K at 6.5% Use the $100K for any purpose (real estate down payment, business operations, etc.) Annual interest cost: $6,500 Tax savings vs selling stocks: roughly $20,000-$30,000 in deferred capital gains Net benefit: $13,500-$23,500/year in tax savings during the borrowing period For someone with $1M in stocks/ETFs: Borrow $500K at 6.5% Use the $500K for real estate purchases, business equity, etc Annual interest cost: $32,500 Tax savings vs selling stocks: roughly $100,000-$150,000 in deferred capital gains Net benefit: $67,500-$117,500/year Comparison to the alternative: If you sell $500K in long-term appreciated stock to access cash: Federal capital gains at 15%: $75,000 owed State capital gains (varies): $20,000-$40,000 owed Net cash to you: $385,000-$405,000 If you borrow $500K against the same stock: Net cash to you: $500,000 Tax owed: $0 Annual interest cost: $32,500 Even paying $32,500/year in interest, you're $90K-$110K ahead in year 1 and the gap grows because your stock keeps appreciating while you hold it The compounding effect over 20 years: Person A sells $100K of Tesla stock at 15% capital gains, takes $85K. Spends it Person B borrows $100K against $100K of Tesla stock, takes $100K, spends it. Stock keeps growing at historical rate (let's say 20%/yr conservatively) 20 years later: Person A: stock is gone. Whatever they bought with $85K is whatever it is Person B: still owns the original $100K in Tesla, now worth $3.8M. Refinanced the loan multiple times. Currently owes maybe $200K against $3.8M in collateral. Net wealth on this position: $3.6M Same starting position. Different decision. $3.5M+ difference in 20 years Important caveats: The strategy works only when underlying asset is appreciating Margin call risk if asset value drops below maintenance threshold Interest costs accumulate over time and eventually reduce the net benefit if rates rise enough Some borrowing limits apply (typically max 50-70% of portfolio value) The strategy is most powerful for: Concentrated stock holdings in publicly traded companies (especially employee stock from tech companies, founder stock, ESOP grants) Large diversified portfolios held in taxable brokerage accounts Real estate equity (similar strategy via cash-out refinances) Business equity (some forms of borrowing available against ownership stakes) The strategy is least useful for: Small portfolios under $50K (interest costs eat any benefit) Retirement accounts (can't borrow against IRAs/401(k)s; some 401(k)s allow loans but limited to $50K) Assets without an established lending market (collectibles, private real estate that's hard to finance) The reason this isn't standard financial advice: Most financial advisors are compensated based on assets under management. They make more money when you keep assets invested. They don't necessarily make money when you optimize for cash extraction. The strategy is genuinely good for sophisticated clients but doesn't fit the standard advisor compensation model Banks DO know about this strategy. They actively market it to wealthy clients. The Pledged Asset Line and securities-backed line of credit products are billion-dollar businesses at every major brokerage. They're just not marketed to ordinary retail clients because the minimums and complexity make them inappropriate for mass market The threshold for accessing this strategy: $100K+ in liquid investment assets = entry-level access via Schwab/Fidelity $1M+ = full access to most products and competitive rates $10M+ = access to private banking rates of 1-2% $100M+ = Elon-level rates of essentially 0% real cost after tax deduction and stock appreciation At each tier, the math becomes more favorable. The richest Americans access this strategy at rates that mean borrowing $1B is essentially free relative to their portfolio appreciation Most middle-class Americans never use this strategy because: They don't know it exists They don't have $100K+ in taxable investment accounts They follow standard advice that says "live within your means and don't borrow" The wealthiest Americans use it constantly because: They have the assets They understand the math They follow advice from advisors who are sophisticated about tax optimization The gap between the two groups isn't talent. It's understanding that the tax code is written to reward holding assets indefinitely and penalize selling them. Selling = taxable event. Holding + borrowing = no taxable event. The system rewards never realizing gains Elon never sells Tesla. He never pays capital gains tax. The IRS doesn't collect a dollar from his accumulated wealth. The strategy is legal. It's mathematically optimal. And it's been written into the tax code since before any of us were born You don't need to be Elon to use this strategy. You need $100K and a Schwab account (we get business owners up to 250k in 0% interest business funding, link in bio)
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Lucifer Lucifero
Lucifer Lucifero@jbfly46·
I can’t tell the difference between credit card companies advertising membership points and Chuck E. Cheese advertising free tokens with the purchase of a membership.
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Lucifer Lucifero
Lucifer Lucifero@jbfly46·
Organized crime switching to more non-violent acts of crime, with the crimes being mainly defrauding the government, through the Medicare system or other government systems/programs, that have inadequate oversight at all or some levels, and them preying more and more on the >
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Lucifer Lucifero
Lucifer Lucifero@jbfly46·
@noisyb0y1 Zoom out far enough in our reality, and every person starts representing a separate particle.
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Noisy
Noisy@noisyb0y1·
AN OXFORD STUDENT IS RUNNING A PARTICLE SIMULATION WITH REAL PEOPLE'S NAMES AND CLAIMS CERN IS TAUNTING HIM THROUGH THE CODE Thousands of particles on a black screen - each one labeled with a real person's name - moving according to the laws of physics in real time and he is completely convinced this is not a simulation but a personal message from CERN directed at him specifically. Particle simulation with collision detection, velocity vectors and brownian motion - technically flawless code that tracks every particle individually and renders trajectories at 60 fps. CERN operates a 17km collider that accelerates protons to 99.9999991% the speed of light and generates a petabyte of data every single day - and apparently found the time to encode Oxford student names into a simulation. The code is real. The physics is correct. The conclusions are a separate conversation.
CyrilXBT@cyrilXBT

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Ming
Ming@tslaming·
🚨 The "Miracle" in 60 seconds: How Neuralink actually bypasses the brain's defenses with brilliant biology hacks 🧙‍♂️ When Elon Musk calls Neuralink's tech "Jesus-level miracles", he isn't exaggerating. But treating paralysis and blindness isn't just a medical hurdle; it’s the most brutal engineering bottleneck in history. Because the human body is naturally wired to attack and destroy foreign hardware, making this miracle a reality meant Neuralink couldn't just build a better chip. They had to completely bypass the brain's ultimate defenses: 🧵 Rigid metal implants scrape soft brain tissue and cause defensive scarring, so Neuralink invented ultra-flexible, tissue-friendly polymer threads with side-mounted sensors that slip into the brain without triggering the immune system. 🦾 The human brain constantly pulses, making it impossible for a surgeon to implant microscopic wires without hitting blood vessels, so they built a robotic tungsten needle and computer vision system to map the brain and automate the surgical strikes flawlessly. 💎 Standard electronic boxes easily leak and short-circuit inside the wet, corrosive human body, so engineers stripped the chips to bare silicon and sealed them flush in the skull with an atomic-level, laser-welded waterproof shield. 🐳 Filtering out the body's massive electrical noise usually requires giant, bulky chip components, so Neuralink exploited a physics trick called "quantum tunneling" to create a highly stable noise filter that takes up virtually zero physical space. 🧠 The sheer flood of high-speed brain activity causes digital traffic jams that crash standard electronic systems, so they designed smart, shape-shifting data packets and digital waiting rooms to compress and manage the flow right at the source. 🔒 Standard wireless connections can be easily intercepted by hackers trying to eavesdrop on private thoughts, so they created a hidden, secondary magnetic channel that encrypts the connection using the user's real-time brainwaves. 🧬 Plunging millions of wires into the brain takes up too much physical space and triggers severe biological rejection, so they patented a method to graft lab-grown cells directly onto the brain's surface to create a living, biological bridge. Together, these breakthroughs don't just build a medical device—they form the ultimate pipeline between human consciousness and AI. But this is just the surface. To see the actual physics and patents making these biological hacks a reality, let's dive into the complete "plain English" breakdown!
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Ming@tslaming

x.com/i/article/2058…

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Lucifer Lucifero
Lucifer Lucifero@jbfly46·
Say this ten time fast: Left brain right hand right brain left hand
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